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Sea West Rates

Effective

 

Description

 

Best Rate (a)

 

 Term*(b)

New Auto

1.99%*(c)

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Up to 36 months
other rates & terms available
Used Auto - Up to 7 model years old

2.29%*(c)

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Up to 36 months
other rates & terms available
Contemporary Auto - 8 to 25 years old

8.45%

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Up to 24 months
other rates and terms available
New Motorcycle, Jet Ski & Snowmobile

6.99%

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Up to 36 months
other rates & terms available
Used Motorcycle, Jet Ski & Snowmobile

8.60%

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Up to 36 months
other rates & terms available
New Boat

6.50%

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Up to 36 months
other rates & terms available
Used Boat

8.00%

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Up to 36 months
other rates & terms available
New Recreational Vehicle

6.99%

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Up to 36 months
other rates & terms available
Used Recreational Vehicle

7.29%

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Up to 36 months
other rates & terms available
Personal Loan

9.99%*

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Up to 12 months
Visa Classic

13.92%

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Revolving
Read Agreement
Visa Gold

12.96%

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Revolving
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Visa Platinum

7.75% *(d)

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Revolving
Read Agreement
Visa Platinum Rewards

9.75%*(d)

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Revolving
Read Agreement
Secured Visa Classic

15.00%

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Revolving
Read Agreement
Certificate Loan

Dividend Rate Paid on Account Plus 2%

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Up to maturity date of certificate
Savings Secured Loan

Highest Dividend Rate Paid on Regular Savings Plus 2%

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Up to 60 months
Line of Credit/Overdraft Protection

14.00%

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N/A
First Mortgage - Fixed

3.50% *(e)

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15 Years, Other rates & terms available.

Jumbo First Mortgage- Fixed

4.50%  *(j)

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30 Years, Other rates & terms available.

Home Equity Loan - Fixed

4.50% *(f) 

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15 Years, Other  rates & terms available

Home Equity Line of Credit

Prime Rate *(g)

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25 Years, Other rates & terms available

 

 

Savings and Checking Rates

Description
Average Daily Balance
Dividend Rate
APY*(h)
Regular & IRA Savings
$100 - $2,500
0.050%
0.050%
Regular & IRA Savings
$2,501 - $10,000
0.200%
0.200%
Regular & IRA Savings
$10,001 - $25,000
0.350%
0.351%
Regular & IRA Savings
$25,001 - $50,000
0.400%
0.401%
Regular & IRA Savings
$50,001 - $100,000
0.450%
0.451%
Regular & IRA Savings
$100,001 and above
0.500%
0.501%
Checking
$100 - $9,999
0.050%
0.050%
Checking
$10,000 and above
0.100%
0.100%
Term
Certificates *(i)
   
3 Months
$500 - $49,999

0.260%

0.260%
6 Months
$500 - $49,999

0.450%

0.451%
12 Months
$500 - $49,999

0.680%

0.682%
18 Months
$500 - $49,999

0.820%

0.823%
24 Months
$500 - $49,999

 1.050%

1.056%
36 Months
$500 - $49,999

 1.240%

1.248%
48 Months
$500 - $49,999

1.900%

1.918%
60 Months
$500 - $49,999
 2.100%
2.122%

365 Days

Tax Deferred $5,000 Min.

 0.680%

0.682%

 Term

 Certificates *(i)

   
3 Months

$50,000 and Greater

0.310%
0.310%
 6 Months

$50,000 and Greater

 0.500% 
 0.501%
 12 Months

$50,000 and Greater

0.730%
 0.733% 
 18 Months

$50,000 and Greater

0.870%
0.874%
 24 Months

$50,000 and Greater

1.100%
1.106%
36 Months 

$50,000 and Greater

1.290%
1.298%
 48 Months

$50,000 and Greater

1.950%
 1.969%
 60 Months

$50,000 and Greater

 2.150% 
 2.173% 

365 Days

Tax Deferred  
 0.730% 
 0.733%

Rates are subject to change without notice.


*(a)


APR = Annual Percentage Rate
*(b) Rates vary with term. 
*(c) Includes 0.25% rate reduction for direct deposit to a Sea West checking account and automatic loan payments, or use of existing SeaPoints.
*(d) Adjustable rate, changes monthly.
Rate is based on Prime Rate PLUS 4.50% margin for Platinum and 6.50% margin for Platinum Rewards.  Prime Rate is currently 4.00%.  Rates subject to change without notice.
*(e) Rate expressed is the Note Rate, actual APR is 3.58% calculated using a loan amount of $650,000 and standard estimated closing costs.  Closing costs can and do vary based on housing type, loan amount and other factors.  For an accurate estimate of these costs, please contact our Real Estate Department for a Good Faith Estimate for your particular loan profile.
*(f)
Rate expressed is the Note Rate, actual APR is 4.62% calculated using a loan amount of $250,000 and standard estimated closing costs.  Closing costs can and do vary based on housing type, loan amount and other factors.  For an accurate estimate of these costs, please contact our Real Estate Department for a Good Faith Estimate for your particular loan profile.
*(g)

Adjustable rate, changes monthly. Rate is at Prime Rate with a minimum rate of 4.5% (floor) and a maximum rate of 16% (ceiling).  Payments are "Interest Only" during draw period of 10 years, then amortized principal and interest for remaining term of 15 years.  Prime Rate is currently 4.00%, initial APR is 4.57%.

*(h) APY = Annual Percentage Yield. 
*(i) Dividend rates may change after account opening.  Fees may reduce earnings.  An early withdrawal penalty equal to the amount of 30 to 90 days interest will be assessed if funds are withdrawn prior to certificates' maturity. 
*(j) Rate expressed is the Note Rate, actual APR is 4.54% calculated using a loan amount of $1,000,000 and standard estimated closing costs.  Closing costs can and do vary based on housing type, loan amount, and other factors.  For an accurate estimate of these costs, please contact our Real Estate Department for a Good Faith Estimate for your particular loan profile.
Contact us at 800.SEA.WEST (800.732.9378) | Sea West's Routing Number is 3211-7126-5

NMLSR ID #480397

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